Verified value
₹1 per point
Travel
HDFC VISA
Infinia
SUPER PREMIUM
Should you get this?
Conditional fit
Why this card
- Unlimited lounge access is a clear travel strength.
- Forex markup is low at 2%.
- Up to 25 pts / ₹150 on Amazon through HDFC SmartBuy
Trade-off
The annual fee (₹12,500) is waived only after ₹10,00,000 of eligible annual spend.
Annual fee ₹12,500 per year
Rewards 5 pts / ₹150
Lounge access ∞ unlimited domestic
Forex markup 2% high
Compare with Axis Bank Burgundy Private →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend5 pts / ₹150——
Amazon (domestic)25 pts / ₹150through 15,000 points per month; at 25 pts / ₹150, this lane reaches the cap at ₹90,000 of eligible spend
Redemption value
What a Reward Point is worth
- Travel₹1 / pt
- Catalogue₹0.5 / pt
- Cashback₹0.3 / pt
Annual fee break-even math
When does this card pay for itself ₹12.5L
Conservative yearly spend needed at the ₹0.30-per-point ranking floor.
Best documented case: about ₹3.8L at ₹1 per point.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getRanking floor
₹0.3 per point
(conservative floor)
₹1 per point (best documented)
Base earn
5 points per ₹150
(~1% base, up to 3.333% via transfers)
Best verified lane
Amazon (domestic)
25 pts / ₹150
View bonus categories →Caps
- Amazon (domestic)15,000 points per month
Why?
at 25 pts / ₹150, this lane reaches the cap at ₹90,000 of eligible spend
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹10,00,000yearAnnual fee waiverextremestrong
Watch outs
Before choosing this card- Annual fee is ₹12,500, so value depends on actual usage.
- Fee waiver requires ₹10,00,000 annual spend.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (5 pts / ₹150). ~1,670 pts/month. Category and partner bonuses aren't included in this estimate.
- Fee waiver unlikely at this spend
- Forex cost ~₹1,000 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- Unlimited · verified 6 Jul 2026
5 sources agree · verify issuer terms before applying
Where to verify
- Stable Money
- 1 Finance
- Shared HDFC Bank In
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- International (cardholder)
- Unlimited — via Requires Priority Pass card
5 sources agree · verify issuer terms before applying
Where to verify
- Stable Money
- 1 Finance
- Shared HDFC Bank In
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- Guest access
- Guests: paid access
Rewards
- Base earn
- 5 points per ₹150 value depends on redemption
- Effective return (honest floor)
- ~1% base, up to 3.333% via transfers · verified 5 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
- Headline point value
- ₹1.00 per Reward Point (Travel) · verified 5 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
- Point validity
- Points expire 3 years after earning · verified 7 Jul 2026
Insurance Cover
- Air accident cover
- ₹3 crore · verified 5 Jul 2026
- Emergency medical cover
- ₹50 lakh · verified 5 Jul 2026
- Lost card liability cover
- ₹9 lakh · verified 5 Jul 2026
- Underwriter
- Insured by HDFC ERGO General Insurance Company Limited · verified 7 Jul 2026
Fees & charges
Fees
- Annual fee
- ₹12,500
- Joining fee
- ₹12,500 · verified 11 Jul 2026
- Fee waiver spend
- ₹10,00,000 Above catalog median waiver (₹2,00,000 vs ₹10,00,000).
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 2%
3 sources agree · verify issuer terms before applying
Where to verify
- Stable Money
- 1 Finance
- Operator-verified anchor
- Product tier
- Super-premium
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions of ₹400+.
- Maximum waiver ₹1,000 per statement cycle.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Monthly cap:15,000 reward points per month; at 25 reward points / ₹150, this lane reaches the cap at ₹90,000 of eligible spend.
Redemption & expiry
Expiry:3 years, and Easy EMI cards/ PhonePe HDFC Bank Ultimo Credit Card/ PhonePe HDFC Bank Uno Credit Card on which reward points/ cash points are valid for 1 year
- Travel redemption: ₹99 redemption fee per redemption
Latest update
- Annual fee: ₹12,500.
- Forex markup currently listed at 2%.
- Unlimited domestic lounge · Unlimited international.
Common questions
From verified card factsIs this good for lounge access?
Unlimited domestic lounge + Unlimited international. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 2%, which can be useful for international spends if the annual fee and usage pattern still make sense.
Is the annual fee easy to recover?
Fee waiver applies at ₹10,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
A welcome benefit is listed. Included items: Reward points equivalent to joining fee (12,500 pts) — welcome, Reward points equivalent to renewal fee (12,500 pts) — renewal; joining fee required. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Learn more
Guides matched to this card — not a random syllabus.
- Priority Pass
Membership, visits and issuer rules - Forex markup bands
0% vs 3.5% — which cards publish what - HDFC SmartBuy
Accelerators, caps, and traps